Only problem is ... it's not HER stuff that needs protecting, since Dwyane has gotta be worth at least 10 TIMES what she's worth. In fact, he's currently toward the end of a 6-year, $107 million contract with the Miami Heat.

AND he's expected to sign ANOTHER HUGE CONTRACT sometime in the next year ... some say it could be worth as much as $100 mil.

Let's do some simple math. Even if she's worth $20 mil ... he could be somewhere in the $200 MILLION range.

So, if they continue that financial pattern and he makes 10-times what she makes ... she's saying she would rather walk away with a tenth of what she COULD get.